Monroe County, Kentucky: hazard risk
FEMA rates Monroe County's overall risk Very Low (score 26.7 of 100, higher than 26% of rated U.S. counties). Its storm record holds 199 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hail | Relatively Moderate | 77.1 | $485K |
| Strong Wind | Relatively Moderate | 53.7 | $394K |
| Earthquake | Relatively Low | 63.6 | $356K |
| Tornado | Relatively Low | 53.4 | $890K |
| Winter Weather | Relatively Low | 52.8 | $45K |
| Ice Storm | Relatively Low | 52.0 | $60K |
| Cold Wave | Relatively Low | 51.3 | $643K |
| Drought | Relatively Low | 40.4 | $44K |
| Lightning | Relatively Low | 40.0 | $103K |
| Landslide | Very Low | 49.4 | $832 |
| Hurricane | Very Low | 42.5 | $24K |
| Riverine Flooding | Very Low | 34.0 | $2.5M |
| Heat Wave | Very Low | 31.9 | $97K |
| Wildfire | Very Low | 11.0 | $2K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 109 | 0 | $2.3M | 99th of 118 | 1076th of 3,080 |
| Hail | 30 | 0 | – | 111th of 118 | 2172nd of 3,080 |
| Floods | 19 | 1 | $147K | 118th of 118 | 1541st of 3,080 |
| Winter storms | 19 | 0 | – | 113th of 118 | 2152nd of 3,077 |
| Tornadoes | 13 | 0 | $6.2M | 48th of 118 | 1061st of 3,080 |
| Extreme cold | 4 | 0 | – | 97th of 118 | 1614th of 3,076 |
| Heavy rain | 2 | 0 | – | 90th of 118 | 1643rd of 3,080 |
| Lightning | 2 | 0 | $39K | 43rd of 118 | 1080th of 3,080 |
| High wind and dust storms | 1 | 0 | – | 117th of 118 | 2802nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Monroe County record: every hazard by year and month, the deadliest events and FEMA's declarations.